Not all health insurance plans provide maternity benefits. So if you want maternity benefit, then read the terms and conditions carefully while taking a health plan. Whether maternity cover is available in the plan or not.
In today’s time the expenditure on treatment has increased a lot. This is the reason why it has become very important to have health insurance now. Many diseases are covered in health insurance. A question that is commonly asked is whether maternity expenses are also covered in health insurance or not?
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Not all health plans provide maternity benefits. So, if you want maternity benefits, you should read the terms and conditions carefully while taking a health plan and find out whether maternity cover is available in the plan or not. Apart from retail policies, many group medical policies also offer maternity benefits.
What is covered in it? Must know
Maternity insurance covers all expenses related to the birth of the child. It covers hospitalization, treatment, pre and post delivery expenses. Additionally, any disease or complication arising within 90 days after delivery is also covered. This cover is valid for both normal and cesarean deliveries. Some plans also pay for compulsory immunization of a child up to 90 days.
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Consider About it
the sub-limit There is usually a sub-limit of the maternity cover. This means that a cap on maternity related expenses is fixed in the health policy. For example, if the sum insured of your basic health plan is Rs 10 lakh, it does not mean that you will get Rs 10 lakh for maternity related expenses as well. The maternity sub-limit is clearly stated in the policy document. It is possible that the maternity sub limit in your policy is only 50 thousand rupees.
Not only this, attention should also be paid to how much pregnancy cover is being provided under Maternity Benefit. Some companies also fix the number of pregnancies. Therefore, it is important that before taking a health policy, the terms and conditions should be read carefully or clarification should be taken from the insurance agent on all these things.
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